P1
Payment consistency
Reliable repayment inside a simulated 30-day cycle.
FINANCIAL WELLNESS SCORE · AGES 8–18
A credit score for childhood.
Credit bureaus can’t see a child. CreditKids can — turning saving, spending, chores and learning into a 300–850 score, so your child arrives at 18 with a ten-year track record.
0Score pillars
0Money modules
300–850Familiar range
Financial Wellness ScoreDeveloping
300 /850
Age 8 · illustrative journey — hover or tap to scrub
81012141618
First coin
Pocket money meets a piggy bank. Saving is the whole game.
How it works
Real habits in. A real score out.
Parents set the guardrails. Kids live their financial life inside them. The score builds itself from what actually happens.
01
Parent sets the rules
Allowance, approved categories, limits and chores.
02
Child earns & spends
Tasks, saving goals and everyday purchases.
03
Score updates
Seven pillars, weighted for the child’s age.
04
Ready at 18
A documented history, not a blank file.
The model
Seven pillars. One honest number.
The weighting shifts as your child grows — learning and saving lead early, payment behaviour carries more as they near adulthood.
P2
Utilisation
How much of their own savings they lean on.
P3
Savings behaviour
Deposits, savings rate and streaks.
P4
Spending diversity
A healthy mix of needs and wants.
P5
Task & earning
Work ethic, shown by chores completed.
P6
Financial literacy
Modules finished and quizzes passed.
P7
Goal achievement
Goals set — and actually reached.
= FWS
300 – 850
Developing · Building · Good · Excellent
Learn
29 modules, from pocket money to portfolios.
A built-in curriculum that grows up with them — and feeds straight into the score.
◐
Foundation
Saving, stokvels, avoiding predatory lenders, understanding grants.
◑
Adult Life 101
Tax, renting, data privacy and company registration.
●
Wealth Building
Shares, ETFs, offshore, tax-free savings, trusts, property and retirement.
Parents
You stay in control. They get to be independent.
⛨
Approved categories
Choose where money can go. Blocked attempts are visible, never silent.
✓
Chores that pay
Assign tasks, approve them, and watch earning habits form.
◎
Goals together
Set targets with your child and track progress side by side.
Start the record
The best time to build a financial history was at 8.
Join the early-access list and give your child a head start.